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Home > Insurance Division > Bureau of Fraud Deterrence Enforcement Activity
2014 Bureau of Fraud Deterrence Enforcement Activity
 
Please Note: P.L. 2013, c. 259 became effective on July 1, 2014.  This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Bureau of Fraud Deterrence.
July > August
August


Executed Consent Orders

David Gonzalez, Passaic, NJ
Order #12-53209-35, August 11, 2014
Respondent, David Gonzalez, gave false and misleading information to CURE Insurance Company on an auto application dated February 8, 2012.  Specifically, he failed to disclose a household member, his girlfriend's son, Jose Rodriguez.
Civil Penalty: $1,500

Rynna Torres, Clifton, NJ
Order #14-50791-35, August 11, 2014
Respondent, Rynna Torres, knowingly submitted false and misleading statement(s) on an IFA Insurance Company automobile application dated November 1, 2010.  Specifically, she stated that she was the only household resident, when in fact Carlos Calderon, who had a suspended license, resided with her as a couple.
Civil Penalty: $1,500

Vanessa Jimenez, Perth Amboy, NJ
Order #13-53088-35, August 11, 2014
Respondent, Vanessa Jimenez, made a material misrepresentation to CURE Insurance Company concerning household residents by failing to list additional members on her 2012 renewal questionnaire resulting in a premium savings of $223 in violation of the New Jersey Insurance Fraud Prevention Act.
Civil Penalty: $1,500

Michael Raganelli, New York City, NY
Order #13-50883-31, August 5, 2014
Respondent, Michael Raganelli, provided false and misleading information to New Jersey Manufacturers Insurance Company in response to a question about his primary residence.  The false and misleading information was provided to New Jersey Manufacturers Insurance Company prior to obtaining his homeowners policy renewal for the period December 3, 2012 to December 3, 2013.  Specifically, Mr. Raganelli represented that he was living seven days a week at 729 Third St., Union Beach, N.J. when, in fact, his primary residence was 360 Central Park West, Apartment 12C, New York City, New York.
Civil Penalty: $1,500

Michelle R. Finamore, Belmar, NJ
Order #13-53139-35, August 4, 2014
Respondent, Michelle R. Finamore, knowingly presented a false statement to Progressive Drive New Jersey Insurance Company on June 12, 2013 relative to a claim, by failing to disclose the actual time of a loss.
Civil Penalty: $1,500

Sorayda Vicuna, Plainfield, NJ
Order #13-54964-35, August 14, 2014
Respondent, Sorayda Vicuna, applied for automobile insurance coverage on September 9, 2013, with CURE Insurance Company, and knowingly failed to disclose Juan Vicuna as a policy household resident.
Civil Penalty: $1,500

Tina Santulli, Belleville, NJ
Order #13-51300-35, August 14, 2014
Respondent, Tina Santulli, knowingly failed to disclose to Progressive Garden State Insurance Company on her Statement of No Loss given on February 19, 2013, that she and her vehicle were involved in a motor vehicle accident on February 16, 2013.
Civil Penalty: $1,500

Darrell Walker, Livingston, NJ
Order #12-50033-22, August 14, 2014
Respondent Darrell Walker, did knowingly file a materially false Beneficiary Statement to Phoenix Life Insurance Company in the name of James Walker, Jr. and received $55,000 in death benefits.
Civil Penalty: $5,000

Melitza Guererro, Passaic, NJ
Order #13-51998-35, August 14, 2014
Respondent, Melitza Guererro, knowingly supplied false and misleading statements on an automobile insurance policy with CURE Insurance Company dated March 20, 2011, by failing to disclose that her live in boyfriend, Elvis Albuerme, was the primary driver of one of the insured two (2) vehicles.
Civil Penalty: $1,500

Connor Walsh, New Milford, NJ
Order #12-53062-04, August 14, 2014
Respondent, Connor Walsh, provided false and misleading information to New Jersey Manufacturers Insurance Company on May 10, 2012, during an Examination Under Oath in support of an automobile damage claim.  Connor Walsh testified that his 2006 Ford Mustang was purchased without rear seats and that he later purchased after-market seats, when in fact, the vehicle already had rear seats when it was purchased.  Connor Walsh attempted to obtain reimbursement for the after-market seats that he never purchased.
Civil Penalty: $2,500

Luis Ortiz, Paterson, NJ
Order #14-50057-35, August 14, 2014
Respondent, Luis Ortiz, knowingly and intentionally did on July 2, 2013 provide false and misleading information to National Liability Fire and Insurance Company on his automobile insurance policy application by failing to disclose his wife as a licensed household member and as an additional driver of his vehicles.
Civil Penalty: $1,500

Betsaida Perez-Garcia, Pleasantville, NJ
Order #13-53141-35, August 14, 2014
Respondent, Betsaida Perez-Garcia, knowingly provided false and misleading information to Progressive Garden State Insurance Company specifically, on May 21, 2013, by changing her $2,000 collision deductible to $500 after the time of the accident and then subsequently submitted a claim to cover the loss and save the $1,500 deductible.
Civil Penalty: $1,500

Mary Leontine Brady, Philadelphia, PA
Order #14-50948-31, August 15, 2014
Respondent, Mary Leontine Brady, did provide materially false statements to Encompass Personal Insurance Company specifically by stating that her primary address was 8 Albatross Point, Bayville, N.J. when, in fact, her primary address was 8712 Frankford Ave., 1B, Philadelphia, PA 19136.
Civil Penalty: $2,500

Stephen Dunnigan, Old Bridge, NJ
Order #13-50566-35, August 19, 2014
Respondent, Stephen Dunnigan, knowingly submitted false and misleading information to IFA Insurance Company on September 13, 2012 when he reinstated his policy. Stephen Dunnigan completed and signed a Statement of No Loss on September 13, 2012, certifying no losses occurred between September 4, 2012 and September 13, 2012, when, in fact, a loss did occur on September 8, 2012.
Civil Penalty: $3,500

Kesha Ankum, Orange, NJ
Order #13-53848-35, August 20, 2014
Respondent, Kesha Ankum, knowingly and intentionally did on February 26, 2013, provide false and misleading information to IFA Insurance Company on her automobile insurance application and on an undisclosed driver certification dated March 10, 2013, by failing to disclose her daughter, Monique Ankum, as a licensed household member or as an additional driver of her vehicle.
Civil Penalty: $1,500

Jefone Lucero, Passaic, NJ
Order #13-51348-35, August 20, 2014
Respondent, Jefone Lucero, knowingly conspired with Isidro and Noelia Leal to provide false and misleading information to CURE Insurance Company on an automobile insurance policy dated January 19, 2012, and concealed that Jefone Lucero was the primary operator of the Leals' 2007 Toyota and that the vehicle was garaged at Jefone Lucero's residence.
Civil Penalty: $500

Isidro Leal, Passaic, NJ
Order #13-51348-35, August 20, 2014
Respondent, Isidro Leal, knowingly made false and misleading statements on a renewal application for CURE Insurance Company on January 19, 2012, when he failed to disclose that his brother-in-law, Jefone Lucero, was the sole operator of the insured's 2007 Toyota and that the vehicle was garaged at Jefone Lucero's residence.
Civil Penalty: $1,500

Hope T. Richardson, East Orange, NJ
Order #12-51511-03, August 20, 2014
Respondent, Hope T. Richardson, knowingly provided false and misleading statements to a representative of Progressive Garden State Insurance Company on February 17, 2012, at approximately 8:55 AM, when she made a payment to renew her automobile insurance coverage and she untruthfully asserted no incidents had occurred during a lapse in coverage that spanned from December 30, 2011 until February 17, 2012.  Furthermore, on the same date at approximately 6:00 PM, Ms. Richardson falsely advised an employee of Progressive Garden State Insurance Company that she discovered her 2005 Jeep Grand Cherokee missing on February 17, 2012 at 10:00 AM, while aware of the fact that earlier in the day, at approximately 3:50 AM, she had already reported the vehicle missing to the Paterson Police Department.
Civil Penalty: $3,500

 
July


Executed Consent Orders

Cesar Cabezas, Charlotte, NC
Order #12-53642-35, July 10, 2014
Respondent, Cesar Cabezas, conspired with Gilberto Lozada-Arellano on March 16, 2010 to conceal from the High Point Safety & Insurance Company (Plymouth Rock Assurance) that Gilberto Lozada-Arellano was the true owner and principal operator of a 2001 Dodge Caravan and principally garaged the vehicle at a location other than the policy address.
Civil Penalty: $500

Gilberto Lozada-Arellano, Parsippany, NJ
Order #12-53642-35, July 16, 2014
Respondent, Gilberto Lozada-Arellano, conspired with Cesar Cebezas on March 16, 2010 to conceal from the High Point Safety & Insurance Company (Plymouth Rock Assurance) that Gilberto Lozada-Arellano was the true owner and principal operator of a 2001 Dodge Caravan and principally garaged the vehicle at a location other than the policy address.
Civil Penalty: $1,500

Manuel Guerra, West New York, NJ
Order #11-22911-05, July 28, 2014
Respondent, Manuel Guerra, submitted a claim for medical coverage to his carrier, Penn National Insurance, containing false and misleading information, specifically, that he was injured while sitting in his parked vehicle when it was struck by another vehicle on May 18, 2011, when in fact he was not in his vehicle.
Civil Penalty: $5,000

Bashkim Dobrushi, Cliffside Park, NJ
Order #13-53660-35, July 28, 2014
Respondent, Bashkim Dobrushi, knowingly submitted a statement on a Liberty Mutual Insurance Company policy application dated February 20, 2009, containing false and misleading information, specifically, failing to disclose his wife, Bajram, sons, Besmir and Jamarber, and daughter, Melissa, as household resident drivers.
Civil Penalty: $1,500

Juan Porras, West New York, NJ
Order #14-50514-35, July 28, 2014
Respondent, Juan Porras, knowingly provided false and misleading information on his personal automobile insurance application with CURE Insurance, dated July 9, 2012. Specifically, he failed to disclose on the initial application that his daughter, Monique Porras, who is a licensed driver, resided with him.
Civil Penalty: $1,500

Rezende Wemerson, Long Branch, NJ
Order #12-53743-35, July 16, 2014
Respondent, Rezende Wemerson, knowingly submitted false and misleading statement(s) to Plymouth Rock Insurance Company dated July 23, 2012. Specifically, he misrepresented the fact concerning a household residence when he neglected to list his wife, Viera Wemerso, who resided with him.
Civil Penalty: $1,500

Robert Branco, Perrineville, NJ
Order #13-50835-23, July 10, 2014
Respondent, Robert Branco, knowingly provided false and misleading information to CURE Insurance Company on his automobile application dated April 25, 2012. Specifically, Mr. Branco failed to disclose that his 2005 Dodge was registered as a commercial vehicle to Wiater Building and Design Inc.
Civil Penalty: $1,500
 
Veronica Gallegos, Jersey City, NJ
Order #13-51021-35, July 16, 2014
Respondent, Veronica Gallegos, knowingly provided false information on a GEICO automobile insurance policy dated November 14, 2012, specifically, by failing to disclose the true garage location of two policy vehicles, a 2004 Acura and a 1997 Acura, as well as the operators of the above policy vehicles.
Civil Penalty: $1,500

Khader Hammad, Paterson, NJ
Order #11-23189-04, July 10, 2014
Respondent, Khader Hammad, provided false and misleading information to Progressive Insurance Company between November 11, 2009 and December 9, 2009, by submitting two automobile damage claims for pre-existing damages and previously receiving reimbursement for one of the claims.
Civil Penalty: $3,500

Anthony Natoli, Clifton, NJ
Order #13-50934-35, July 7, 2014
Respondent, Anthony Natoli, added a 2005 Ford Pick-Up Truck to his existing New Jersey Manufacturers policy on August 8, 2007, listing it for pleasure use only, when in fact it was a Dump Truck with Commercial License Plates. Specifically, the renewal questionnaires for February 5, 2009, February 5, 2010 and February 5, 2011 were filled out and signed by the insured still claiming the 2005 Ford Dump Truck was only being used for pleasure, but still maintaining Commercial License Tags.
Civil Penalty: $2,500

Jose N. Martinez, Elizabeth, NJ
Order #12-53437-35, July 7, 2014
Respondent, Jose N. Martinez, knowingly provided false and misleading information on September 3, 2009, while completing an application to obtain automobile insurance coverage from Plymouth Rock Assurance/Palisades Insurance Company.  Specifically, Mr. Martinez indicated that he was "single" and he failed to disclose that he was married and living with Vilma D. Martinez.  Also, Jose N. Martinez failed to disclose other drivers or additional household members living at the policy address.
Civil Penalty: $2,500

Lester Szewc, Wallington, NJ
Order #13-53015-35, July 7, 2014
Respondent, Lester Szewc, knowingly supplied false and misleading statements on an automobile insurance policy with Metropolitan Life Insurance Company, dated March 3, 2013, specifically, by failing to disclose that his daughter, Kristina Szewc, was the primary driver of the vehicle and the true garaging locating of the vehicle was another location in Wallington, NJ.
Civil Penalty: $1,500

Kunjumon T. Mathai, Belleville, NJ
Order #13-53153-35, July 7, 2014
Respondent, Kunjumon T. Mathai, did on or about March 12, 2010, in an application for automobile insurance, by omission, fail to advise New Jersey Manufacturers that his son, Shawn Mathai, possessed a New Jersey Driver's Learner's Permit.
Civil Penalty: $1,500

Ameerah Boone, Elizabeth, NJ
Order #13-54657-35, July 2, 2014
Respondent, Ameerah Boone, returned an April 2009 policy renewal questionnaire, signed on January 23, 2009, and knowingly failed to disclose Derrick Belvin as a policy household resident.
Civil Penalty: $1,500

Ana Barreno, Plainsboro, NJ
Order #13-54727-35, July 16, 2014
Respondent, Ana Barreno, did knowingly provide misleading information to the Cure Insurance Company by not disclosing Thushan Nithiananthan as a licensed household member and driver of the policy vehicle on her auto application dated March 15, 2013.
Civil Penalty: $1,500

Cristina Padilla-Manzano, Plainfield, NJ
Order #13-52613-35, July 8, 2014
Respondent, Cristina Padilla-Manzano, knowingly provided false and misleading information to GEICO Indemnity Insurance Company by failing to disclose additional drivers on her renewal policy application dated November 19, 2012.
Civil Penalty: $1,500

Allison R. Finamore, Belmar, NJ
Order #13-53139-35, July 7, 2014
Respondent, Allison R. Finamore, knowingly supplied false information to Progressive Drive New Jersey Insurance Company on June 11, 2013, by adding her sister, Michelle R. Finamore, and a vehicle to her policy in an attempt to have a previous accident covered.
Civil Penalty: $1,500

Deshann Allen, Middlesex, NJ
Order #13-52999-35, July 7, 2014
Respondent, Deshann Allen, did knowingly fail to disclose her daughter, Terrae Colter, on her CURE auto insurance application dated March 18, 2010 and renewals dated January 7, 2011, January 2, 2012, January 14, 2013 and March 13, 2013 as an operator of the insured vehicle.
Civil Penalty: $1,500

Sarah Swain, Richland, NJ
Order #13-53304-35, July 7, 2014
Respondent, Sarah Swain, knowingly concealed relevant evidence of application fraud to CURE Insurance Company on April 16, 2013 by failing to disclose an additional household member, specifically, Jamil A. Swain, on an application for automobile insurance coverage.
Civil Penalty: $1,500

Itzel C.  Jimenez, North Brunswick, NJ
Order #14-50515-35, July 7, 2014
Respondent, Itzel C. Jimenez, provided false and misleading information material to an automobile insurance policy with CURE Insurance Company.  Respondent failed to disclose a non-resident driver, Ruben D. Jimenez, as the primary operator of two insured risks, a 2004 Mazda from November 8, 2012 to May 24, 2013, and a 2003 Volkswagen from May 24, 2013 to August 20, 2013, and an alternate garaging location for both vehicles.
Civil Penalty: $1,500

Shakeem T.  Brown, Bridgeton, NJ
Order #13-54656-35, July 7, 2014
Respondent, Shakeem T. Brown, conspired with Kwan A. Smith, in providing false and misleading information to CURE Insurance Company on an application for automobile insurance, dated October 14, 2011, and on a renewal questionnaire, dated July 27, 2012, in that Shakeem T. Brown was the primary operator of an insured risk, a 2005 Cadillac, garaging the same at his own home.
Civil Penalty: $1,500

Robin Russo, Toms River, NJ
Order #13-54280-44, July 10, 2014
Respondent, Robin Russo, knowingly caused to be presented a claim for services rendered by Joseph Venditto, DMD on July 29, 2013 for patient, Joanne Koob, to Guardian Insurance, where she misrepresented the date of service by backdating the claim within the coverage period due to termination of benefits at the actual time of service.
Civil Penalty: $2,500

Bonnie Gardner, Pine Hill, NJ
Order #14-50018-35, July 16, 2014
Respondent, Bonnie Gardner, did knowingly apply for a CURE automobile insurance policy dated April 19, 2012, and failed to disclose her prior insurance with New Jersey CURE which resulted in her policy being voided due to misrepresentation of material information and paying a Civil Penalty for automobile insurance fraud.
Civil Penalty: $3,000

Jessica Bovenzi, Millville, NJ
Order #13-54075-35, July 16, 2014
Respondent, Jessica Bovenzi, did provide materially false statements to Personal Service Insurance on May 3, 2013 at 7:01 pm, when obtaining her automobile insurance policy, by knowingly not advising them her vehicle was involved in an accident on May 3, 2013 at 6:27 pm, and then submitted a claim on May 17, 2013 stating the accident occurred on May 6, 2013 at 5:06 pm.
Civil Penalty: $2,500

Brenda J. Maugeri, Burlington, NJ
Order #13-54540-10, July 16, 2014
Respondent, Brenda J. Maugeri, did knowingly provide a false written statement, specifically, a fraudulent receipt in the amount of $194.70, to Homesite Insurance Company, in support of a May 25, 2013 property loss claim #0001344882, for a wind damage claim.
Civil Penalty: $1,000

Lisa Renee Hahnlen, Barnegat, NJ
Order #13-52901-35, July 28, 2014
Respondent, Lisa Renee Hahnlen, knowingly provided false and misleading information on an automobile insurance policy application with New Jersey Manufacturers Insurance Company, and subsequent renewal questionnaires by failing to disclose a resident driver, Robert Hahnlen.
Civil Penalty: $1,500

Francisco Leiva, Trenton, NJ
Order #13-54864-35, July 28, 2014
Respondent, Francisco Leiva, knowingly added his 1999 Nissan Sentra to his active Progressive Insurance Company automobile policy after it had been involved in an accident on November 8, 2013 and then filed a claim for the accident during which he stated that the vehicle had been added to the policy before the accident occurred.
Civil Penalty: $1,500

Joseph D. Cadet, Willingboro, NJ
Order #11-22824-27, July 28, 2014
Respondent, Joseph D. Cadet, did knowingly make a false statement to New Jersey Manufacturers Insurance Company as he attempted to be compensated for a claim #0624533, dated March 13, 2010, that he was already paid for under claim #2008-330544 that occurred on July 19, 2008.
Civil Penalty: $3,500

Wilmer Moreno-Maldonado, South River, NJ
Order #13-52612-35, July 28, 2014
Respondent, Wilmer Moreno-Maldonado, knowingly failed to disclose his wife, Teresa Moreno, on his Penn National Insurance automobile insurance application dated April 20, 2011, amended declaration dated June 13, 2011, February 24, 2012, September 4, 2012, September 5, 2012, March 11, 2013 and the renewal application dated April 20, 2013 as a licensed household member.
Civil Penalty: $1,500

Rangeeta Sarup, Sacramento, CA
Order #12-54353-35, July 28, 2014
Respondent, Rangeeta Sarup, did knowingly provide material false information on an initial application for auto insurance on October 3, 2010, an undisclosed driver certification form dated November 10, 2010, and an automobile policy renewal questionnaire on June 23, 2011 with Plymouth Rock Assurance, by failing to disclose she was married, and failing to disclose her husband Rohit Sarup as a household resident and driver.
Civil Penalty: $1,500

Christopher Montana, DC, Chester, NJ
Order #06-25532-02, July 8, 2014
Respondent, Christopher Montana, DC, between the dates of February 2, 2011 and July 21, 2011, received a total of $19,000 from an attorney, in exchange for Dr. Montana supplying said attorney with a total of 38 patient names, with the intent of generating numerous bodily injury claims.
Civil Penalty: $190,000

Charles E. Hill, Newark, NJ
Order #12-52853-31, July 30, 2014
Respondent, Charles E. Hill, submitted statements on a policy application dated July 13, 2012 to GEICO Insurance Company, containing false and misleading information, specifically, stating he resides at 154 East 2nd Avenue, Roselle, NJ, when in fact he resides at 43 Stretcher Street, New Jersey.
Civil Penalty: $1,500

Claudia Aguirre-Cruz, Passaic, NJ
Order #13-50907-35, July 30, 2014
Respondent, Claudia Aguirre-Cruz, knowingly made material misrepresentations to New Jersey Manufacturers Insurance Company on an automobile insurance application dated December 15, 2010 and on a renewal questionnaire dated June 13, 2012 by failing to disclose that her mother, Sofia Aguirre, was a licensed household resident and a regular operator of an insured vehicle.
Civil Penalty: $1,500

Barry K. Dixon, Englewood, NJ
Order #14-50103-35, July 30, 2014
Respondent, Barry K. Dixon, conspired with Denise Dixon, by knowingly submitting statements on a New Jersey Manufacturers Insurance Company renewal application dated March 17, 2013, containing false and misleading information, specifically, that Denise Dixon allowed her brother, Barry Dixon, to operate the insured vehicle, a 2002 Kia, and garage the insured vehicle at an address other than the policy address in Hackensack, NJ.
Civil Penalty: $500

Denise Dixon, Hackensack, NJ
Order #14-50103-35, July 30, 2014
Respondent, Denise Dixon, knowingly provided false and misleading statements to New Jersey Manufacturers Insurance, specifically, by contacting New Jersey Manufacturers Insurance on August 12, 2012 and failing to disclose that a policy vehicle, a 2002 Kia, was not garaged at the policy address as well as failing to disclose that Barry Dixon was an operator of the 2002 Kia.
Civil Penalty: $1,500

Tanayah Bruce, Hackensack, NJ
Order #13-50466-35, July 30, 2014
Respondent, Tanayah Bruce, gave false and misleading statements to CURE Insurance when she failed to list Darnell Barber on her automobile insurance policy as a driver of the second vehicle, which was added to the policy effective July 16, 2011.
Civil Penalty: $1,500

Michael Tang, Somerset, NJ
Order #10-22836-35, July 30, 2014
Respondent, Michael Tang, knowingly failed to list his son, Andrew Tang, on his auto insurance policy with NJ Skylands Insurance Company as a licensed driver and member of the household, during the policy period of April 29, 2010 to April 29, 2011. On July 6, 2010 Andrew Tang was involved in an accident while driving a 1998 Nissan 240SX, that was insured and registered to the policy holder Michael Tang.
Civil Penalty: $1,500

 
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